Dalian provident fund custody process is to ask for a custody form stamped with the original unit's financial seal (financial and legal person seal) from the provident fund office where the original unit is located, and then bring the dissolution of labor contract or unemployment certificate to the office where the original unit is located.
1. The annual interest rate of provident fund loans 1-5 is 4.59%, and it is 5.04% in 6-30 years. The maximum amount of provident fund loans was adjusted from July this year 1 from 400,000 to 600,000. The longest loan period is 30 years.
Second, the housing provident fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
Second, how to handle the housing provident fund loan in Dalian?
Provident fund loan process (taking the purchase of commercial housing with pure provident fund loan as an example) 1. Applicants will handle it at the comprehensive counter with care. 2. The teller at the front desk of the provident fund center will approve the provident fund loan. 3. After approval, the borrower and the mortgagor (husband and wife) need to sign a mortgage loan contract, handle mortgage and real estate agency procedures, and submit loan retention materials. 5, in the insurance guarantee window for insurance or guarantee procedures. 6. Pay relevant taxes and fees at the entrusted bank window and handle the entrusted bank formalities. 7. Pay the maintenance fund at the maintenance fund window with the commercial housing sales contract and the ID card of the purchaser. 8. Hold the payment receipt until the agent, insurance (guarantee) and comprehensive counter confirm the loan information transfer. 9, the agent to the city real estate market mortgage registration procedures. 10. The provident fund center verifies the mortgage registration and entrusts the bank to transfer the loan amount to the developer's account. Note: Before applying for a loan, if you need to apply for a provident fund loan, you must first examine and approve the amount of the provident fund loan in the center, then go to the group with the contact form and then go to the original examination and approval counter of the center to continue the formalities of the provident fund loan.
3. How to handle the housing provident fund loan in Dalian?
Provident fund loan process (taking the purchase of commercial housing with pure provident fund loan as an example) 1. The applicant shall go to the comprehensive counter of the provident fund center with the required materials and related expenses. 2. The teller at the front desk of the provident fund center will approve the provident fund loan. 3. After approval, the borrower and the mortgagor (husband and wife) need to sign a mortgage loan contract. 4. Go through the formalities of mortgage and real estate agency at the agency window and submit the loan retention materials. 5, in the insurance guarantee window for insurance or guarantee procedures. 6. Pay relevant taxes and fees at the entrusted bank window and handle the entrusted bank formalities. 7. Pay the maintenance fund at the maintenance fund window with the commercial housing sales contract and the ID card of the purchaser. 8. Hold the payment receipt until the agent, insurance (guarantee) and comprehensive counter confirm the loan information transfer. 9, the agent to the city real estate market mortgage registration procedures. 10. The provident fund center verifies the mortgage registration and entrusts the bank to transfer the loan amount to the developer's account. Note: Before applying for a loan, the second-hand house buyer must be appraised by an appraisal company designated by the Provident Fund Center. For portfolio loans, it is necessary to first examine and approve the amount of provident fund loans in the center, and then go through the formalities of commercial loans in the portfolio bank with the contact form, and then continue to go through the formalities of provident fund loans at the original examination and approval counter of the center.
4. How to handle the housing provident fund loan in Dalian?
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(Take the purchase of commercial housing with pure provident fund loans as an example)
The applicant shall go to the comprehensive counter of the provident fund center with the required materials and related expenses.
1- The front desk teller of the provident fund center approves the provident fund loan.
2- After approval, the borrower and the mortgagor (husband and wife) need to sign a mortgage loan contract.
3- Go to the agency window to handle mortgage and real estate agency procedures and submit loan retention materials.
4- Go through the insurance or guarantee procedures at the insurance protection window.
5- Pay relevant taxes and fees at the entrusted bank window and go through the entrusted bank formalities.
6- Pay the maintenance fund at the maintenance fund window with the commercial housing sales contract and the ID card of the purchaser.
7- Hold the payment receipt until the agent, insurance (guarantee) and comprehensive counter confirm the transfer of loan information.
8- The agency shall go through the mortgage registration formalities in the municipal real estate market.
9- The Provident Fund Center verifies the mortgage registration and entrusts the bank to transfer the loan amount to the developer's account.
Note: Before applying for a loan, the second-hand house buyer must be appraised by an appraisal company designated by the Provident Fund Center.
For portfolio loans, the amount of provident fund loans shall be examined and approved at the center first, and commercial loan procedures shall be handled at the portfolio bank with the contact form, and then at the center.
The original examination and approval counter continues to handle provident fund loan procedures.
Materials required for full repayment in advance
Personal housing provident fund mortgage loan contract, cash (provident fund card, password and other provident fund extraction materials are required for the transfer of provident fund), ID card, copy of insurance policy or guarantee contract (receipt).
Information required for partial repayment in advance
Personal housing provident fund mortgage loan contract, cash (provident fund card, password and other provident fund withdrawal materials are required for the transfer of provident fund) and ID card are limited to the borrower himself, and the mortgagor needs to be present to sign the third-party property right mortgage.
Early repayment-With the consent of the Center, the borrower may apply for early repayment of part or all of the loan principal and interest, and the repayment method may be cash, provident fund transfer or both.
note:
Each prepayment shall not be less than 5000 yuan.
If the loan term is shortened by more than 65,438+0 months after the principal and interest of the loan are paid in full in advance, the surrender formalities (referring to insurance premium or guarantee fee) can be handled with the Notice of Full Repayment in Advance (jointly issued by insurance company or guarantee company) or other repayment certificates.